in two to cathay greece and i would try to explain let's start with something basic that we do in almost any country banking. one part of banking we do from a distance we do it with our mobile phone with our computer it's totally robotized if you want there is no human being involved in the process so that's one side of banking then there is another side of banking which is when it's super sophisticated and that is when you are buying your first house in a city where you were not born when you are for some reason divorcing and you have to split all the financial resources in a fair way then you need advice human advice and you need to see the bank care and you need to see your bank back to universities lecturers old school lecturers we need one to four or five really good professors that do that and they can do it on camera for people in oxford call go moscow stockholm and san francisco at the same time and from a distance it's fully automatic if you see what i mean very limited involvement of the human beings however if you want to learn that discipline perspectives on knowledge feel lo